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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,249 | $102,385-84.1% | $147,080-89.0% | $80,935-79.9% |
| Participation rate | 56.8% | 75.9%-19.1pp | 82.2%-25.4pp | 67.7%-10.9pp |
| Annual return | 15.19% | 135.09%-119.9pp | 420.17%-405.0pp | 35.66%-20.5pp |
| Employer contribution / active EE | $927 | $3,717-75.1% | $4,933-81.2% | $2,757-66.4% |
| Participant deferral / active EE | $3,172 | $6,651-52.3% | $8,066-60.7% | $4,299-26.2% |
| Admin fee / account holder | $894 | $7,951-88.8% | $12,989-93.1% | $6,924-87.1% |